The extra money saved is called overpayment. Whether it is a savings card or a credit card, cash withdrawal or transfer will have corresponding cash management costs. The original intention of credit card design is to encourage overdraft consumption, and deposit and withdrawal is not its main function, so there is no interest on deposits and there is a handling fee for withdrawals.

Banks have different standards on whether to charge fees and how to charge them. The most relaxed supervision is Guangfa Bank. As long as the cardholder withdraws the excess payment in China, no matter through the bank counter or ATM, no matter the bank, inter-bank, local or off-site, there is no handling fee. In banks such as industry and commerce, construction, transportation, people's livelihood, Huaxia, China Everbright, etc., credit card overpayments are withdrawn through local counters or ATM machines, and no handling fee is charged. Some banks charge 0.5% to 2%.

In fact, there is a shortcut to withdraw the extra money from the credit card. That is: transfer the money from the credit card to the savings card. However, some banks also charge fees for this method.